UNIT 3 4 Preventing Identity Theft

Size: px
Start display at page:

Download "UNIT 3 4 Preventing Identity Theft"

Transcription

1 UNIT 3 4 Preventing Identity Theft Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. The perpetrator may use your personal information such as your name, social security number, or credit card number to commit crimes. The most common identity theft complaints are credit card fraud, followed by utility or phone fraud; bank fraud; employment-related fraud; government document or benefit fraud and loan fraud. The identity thieves may rent an apartment in their victim s name, obtain a credit card, or establish other lines of credit in the victim s name such as a telephone account, store credit account, or a checking account. Identity thieves have even begun targeting infants for identity theft. Often the theft is not discovered until the child is a teenager or applying for his or her first line of credit. The number of victims of identity theft has increased dramatically over the past several years. The Federal Trade Commission estimates that as many as 9 million Americans have their identity stolen in a given year. Nationally, that equals 24,657 per day, 1, 028 per hour, or 17 per minute! In 2006, Kentucky ranked 44 th nationally in identity thefts with 1,766 complaints filed. This is 42.0 complaints per 100,000 people in the state. Identity theft is the number one complaint received by the Federal Trade Commission 42% of all fraud complaints received. Victims of identity theft spend an average of $1,400 in out-of-pocket expenses, an increase of 85% over the past 7 years. It is estimated that the business community loses between $40,000 and $92,000 per instance of ID theft in fraudulent charges. What are the steps you should take to reduce your chances of becoming a victim of identity theft? Case Study Application The case study application is designed to illustrate some of the key points made in the text. Page 1 of 5

2 CASE STUDY: ANDREW LEARNS ABOUT IDENTITY THEFT Andrew has begun developing his credit history. He opened checking and savings accounts and a retail credit account that he has been paying on time. He also opened a cellular telephone account to build his credit record. Andrew has continued his employment at the local pizzeria for quite some time. He charges a minimal amount to the credit card each month and pays the balance in full each month. He is currently living within his means. Now that he is beginning to establish his credit in order to further his ability to become a future homeowner, he has begun to worry about protecting himself against the pitfalls of identity theft. One of his coworkers at the pizzeria recently received letters that her charge accounts were overdue. She noticed that they were from companies where she never made purchases. After further investigation, the purchases were for items she didn t buy. Andrew wonders if he could fall victim to a similar situation. What Is Identity Theft Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. This could include using your name, your social security number, your credit card number, opening a credit account in your name or other crimes. With an average of one out of every four Americans having their identity stolen, chances are you may know someone who has had their identity stolen. How can your identity be stolen? There are many ways that thieves use to steal someone s identity. This can include dumpster diving. This is when thieves look through trash for bills or other papers with personal information on it. They also use phishing. The thieves pretend to be financial institutions and send pop-up messages or spam to get you to reveal your personal information. Another method used is to change your mailing address. They will divert your billing statements to another address and then assume your account. Identity thieves also use plain old-fashioned stealing to commit identity theft. They steal wallets, purses, mail, credit card statements, pre-approved credit offers, new checks, or even tax information. They may even bribe employees who have access to your financial information. Finally, identity thieves may use false pretenses for obtaining your personal information. They use a variety of tactics to access your personal information. For example, they may call you claiming to be a research firm or your financial institution. Then, they will ask for your name, address, birth date, and social Page 2 of 5

3 security number. With this information, the thief has everything she or he needs to use your personal information to fraudulently open accounts or even to access your accounts! What do identity thieves do with your personal information once they have acquired it? There are many different ways that identity thieves may use your personal information. This could include government documents fraud. The thief may get a driver s license or office identification card with your name, but their picture. They may file a fraudulent tax return, or they may use your name and Social Security number to obtain government benefits. They may even give your information to a law enforcement officer upon an arrest. If they fail to appear for the assigned court date, a warrant will then be issued for arrest in your name! Another type of fraud committed by identity thieves is bank or finance fraud. They may open a bank or checking account in your name and write bad checks. They may take out a loan in your name or create counterfeit checks using your name or actual account number. Identity thieves also use your personal information to commit phone or utility fraud. They can use the information to open a new phone or wireless account in your name. They may even use your identity to get utility services such as cable television or electricity. Finally, identity thieves may use your personal information to commit credit card fraud. They might change the billing address on your credit card and then run up charges on your account. They might open a new credit card account using your name. Then they use the cards and don t pay the bills. The delinquent accounts will be listed on your credit report. Analyze the different ways that identity thieves are able to access their victim s personal information. What steps can consumers take to avoid this access? How Can You Find Out If Your Identity Has Been Stolen Identity theft is a federal crime that takes place when someone knowingly transfers, possesses or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of federal law, or that constitutes a felony under any applicable state or local law. A name or Social Security number is a means of identification as are credit card numbers, cellular telephone serial numbers, or any other piece of information that may be used alone or in conjunction with other information to identify a specific person. The best way to find out if your identity has been stolen is to monitor your accounts each month and check your credit report regularly. Many victims of identity theft find out that their identity has been stolen after a good deal of damage has been done. Victims may find out when a collection agency contact them for collection of overdue debts the victim never incurred. They may find out when they Page 3 of 5

4 apply for a mortgage or for other credit and find out that their credit history is preventing them from acquiring the loan. Victims may even find out when they receive something in the mail that they did not initiate. For example, a job they never had, an apartment they never rented, or a house they never bought. In very rare cases, some victims of identity theft have even found out about the theft when they were served with an arrest warrant for a crime they didn t commit! If your identity is stolen, take steps quickly to minimize the impact. File a police report, notify your creditors. Close credit and bank accounts immediately. When opening new accounts, place security passwords on them. Avoid using obvious passwords (your mother s maiden name, your birthday, children s names, or a series of consecutive numbers). Next, call the three nationwide consumer reporting companies and place a fraud alert on your credit reports (Equifax: ; Experian: ; and TransUnion: ). This alert will prevent someone from opening new accounts in your name. It is a signal to warn creditors that they must verify your identity before they issue credit in your name. There are two types of fraud alerts initial and extended. An initial alert remains on your account for a minimum of 90 days. An extended alert remains on your credit report for seven years. With these alerts, you will receive free copies of your credit reports. Review these reports carefully, look for inquiries that you did not initiate, accounts you didn t open, and debts on your accounts that you can t explain. Check that your Social Security number, address, name, initials, and employers are correct. If you find fraudulent or incorrect information, get it removed. Keep checking your reports periodically to ensure that no new fraudulent activity has occurred. The moral of the story is awareness of your personal information both in how you maintain your personal documents and in how it is shared with others. Make a list of at least 5 different ways that an identity thief may assume another s identity. Then beside each of these, list ways that you can protect that information. What are your views on who (consumers, government, businesses) should bear the burden of protecting consumers from identity theft? How should this be done? What Can You Do to Protect Your Identity With so many people becoming victims of identity theft and fraud each year, how can you make sure you do not become another one of the statistics? Being aware is the best weapon against identity theft. The first step is to simply protect your credit, debit, and ATM cards as well as your account and PIN numbers. One way to do this is to only carry the cards that you plan to use. Keep the others in a safe place. Keep a list of all account Page 4 of 5

5 numbers and telephone numbers of the companies that issued your accounts. If your cards are lost or stolen, notify the companies quickly. If you notify the company before the cards are used, you have no liability. If your notification is received after the cards have been used, your liability is $50 for each card. However, your liability for ATM or debit cards depends on how quickly you report the loss. You should also monitor your accounts and bank statements each month. When ordering checks, pick them up from the bank instead of having them mailed to your home mailbox. Check your credit reports at least once a year to make sure that there are no mistakes or abnormalities. You can get one free credit report each year from each of the three credit bureaus (Equifax, Experian, and TransUnion) at or by calling You need to check all three reports, not just one! Each bureau receives different information about you from different sources. You may want to check all three reports at the same time or spread your requests out over a twelve month period. Another step you can take to protect your credit is to remove your Social Security Card or anything with your Social Security number from your wallet or purse. Only give your Social Security number when absolutely necessary. When you using the Internet, make sure you have current security software. Never give out your personal information on the Internet or the telephone unless you initiated the contact and you are sure who you are dealing with. Also, deposit your outgoing mail in post office collection boxes, or at your local post office rather than using an unsecured mailbox. Remove your mail from your mailbox as promptly as possible. Keep financial and personal papers in a secure place. Even after an identity thief stops using a victim s information, victims struggle with the impact of identity theft. This can include increased insurance or credit card fees, inability to find a job, higher interest rates and battling collection agencies and issuers who refuse to clear records despite substantiating evidence of the crime. This impact may continue for more than 10 years after the crime was first discovered. Thus it is crucial to invest the time and effort into protecting your identity and personal information. Now that you have read some information regarding the prevention of identity theft, review the case study and answer the following questions: What are steps that Andrew should take to protect his personal information and identity from identity theft? What will you do to protect yourself from identity theft? Page 5 of 5

Do s & Don ts Reference website. www.farmersidentityshield.com

Do s & Don ts Reference website. www.farmersidentityshield.com What is identity theft? How do thieves steal an identity? What do thieves do with a stolen identity? How can you find out if your identity was stolen? How long can the effects of identity theft last? What

More information

INTRODUCTION. Identity Theft Crime Victim Assistance Kit

INTRODUCTION. Identity Theft Crime Victim Assistance Kit Identity Theft Crime Victim Assistance Kit INTRODUCTION In the course of a busy day, you may write a check at the grocery store, charge tickets to a ball game, rent a car, mail your tax returns, change

More information

Deputy Mike Butler Deputy Leslie Fox Dane County Sheriff s Office

Deputy Mike Butler Deputy Leslie Fox Dane County Sheriff s Office Deputy Mike Butler Deputy Leslie Fox Dane County Sheriff s Office Identity theft occurs when someone uses your personal identifying information such as: A. Your name B. Social Security number C. Credit

More information

Citi Identity Theft Solutions

Citi Identity Theft Solutions Identity Theft what you need to know Citi Identity Theft Solutions At Citi, we want to keep you informed about all of the issues that can affect your financial life. We re bringing you helpful information

More information

Information carelessly discarded into the trash can be stolen when a thief digs through the garbage.

Information carelessly discarded into the trash can be stolen when a thief digs through the garbage. Identity theft occurs when someone wrongfully acquires and uses a consumer s personal identification, credit, or account information. Identity theft can wreak havoc on an individual s credit report, cause

More information

I know what is identity theft but how do I know if mine has been stolen?

I know what is identity theft but how do I know if mine has been stolen? What is identity theft? You might hear stories on the news about stolen identities, but what is identity theft? When someone uses the personal information that identifies you, like your name, credit card

More information

I dentity theft occurs

I dentity theft occurs 1.3.1.F1 Identity Family Economics and Financial Education W h at i s I d e n t i t y T h e f t? I dentity theft occurs when someone wrongfully acquires and uses a consumer s personal identification, credit,

More information

Corona Police Department

Corona Police Department By Detective John Alvarez Corona Police Department High Technology Crimes Unit California Penal Code 530.5(a) defines Identity Theft: Every person who willfully obtains personal identifying information,

More information

Identity Theft. Occurs when someone uses your personal information without your permission for personal gain.

Identity Theft. Occurs when someone uses your personal information without your permission for personal gain. Identity Theft Identity Theft Occurs when someone uses your personal information without your permission for personal gain. Someone uses your personal information to open a department store credit account

More information

According to the Federal Trade Commission (FTC): The FTC is a government agency that promotes consumer protection

According to the Federal Trade Commission (FTC): The FTC is a government agency that promotes consumer protection According to the Federal Trade Commission (FTC): IDENTITY THEFT occurs when someone wrongfully acquires and uses a consumer s personal identification, credit, or account information The FTC is a government

More information

ALL YOU NEED TO KNOW ABOUT BROUGHT TO YOU BY

ALL YOU NEED TO KNOW ABOUT BROUGHT TO YOU BY ALL YOU NEED TO KNOW ABOUT BROUGHT TO YOU BY March 24, 2011 1 www.publicccounsel.org Table of Contents What Is Identity Theft?...2 Why Should I Care About Identity Theft?...2 How Do Thieves Steal an Identity?...2

More information

Identity Theft Protection

Identity Theft Protection Identity Theft Protection Learning Objectives Discuss the aspects of identity theft Discuss the signs of recognizing when your identify has been stolen Understand the steps to take to reclaim your identity

More information

Identity Theft: It CAN Happen to You

Identity Theft: It CAN Happen to You Aging Well: Healthier, Happier and Less Hassled An Educational Series for Seniors and their Caregivers Identity Theft: It CAN Happen to You How would you feel if you were stopped for a traffic violation

More information

Client Resources SAFEGUARDING YOUR IDENTITY. Your personal and financial information is precious. Protect it by being savvy about identity theft.

Client Resources SAFEGUARDING YOUR IDENTITY. Your personal and financial information is precious. Protect it by being savvy about identity theft. Client Resources SAFEGUARDING YOUR IDENTITY Your personal and financial information is precious. Protect it by being savvy about identity theft. EVERYONE IS AT RISK FOR IDENTITY THEFT. It s an unfortunate

More information

azag.gov PROTECT YOURSELF AGAINST IDENTITY THEFT Office of Arizona Attorney General TERRY GODDARD For more information, contact:

azag.gov PROTECT YOURSELF AGAINST IDENTITY THEFT Office of Arizona Attorney General TERRY GODDARD For more information, contact: For more information, contact: Office of Arizona Attorney General Terry Goddard 1275 West Washington Street Phoenix, Arizona 85007 602-542-5763 400 West Congress, Suite 315 Tucson, Arizona 85701 520-628-6504

More information

IDENTITY THEFT RESOURCE KIT

IDENTITY THEFT RESOURCE KIT IDENTITY THEFT RESOURCE KIT TABLE OF CONTENTS Introduction 2 What To Do Now 3 Key Agencies to Contact 3 Other Important Contacts 4 Action Taken Form 6 Sample Letters 7 How Identity Theft Can Occur 9 What

More information

IDENTITY THEFT: MINIMIZING YOUR RISK

IDENTITY THEFT: MINIMIZING YOUR RISK IDENTITY THEFT: MINIMIZING YOUR RISK What is Identity Theft? Identity theft occurs when someone uses another person s information to commit fraud or other crimes. Information such as your name, Social

More information

EL/Civics Lesson Plan

EL/Civics Lesson Plan Program Name Staff Responsible for Lesson MVCTC EL/Civics Program Mary Ann Oatney Date(s) Used 11/2007 Civics Category Civics Objective Time Frame to Complete Lesson EFL(s) II. Civics Participation II.

More information

2015 Identity Theft Guide

2015 Identity Theft Guide 2015 Identity Theft Guide www.feddesk.com FREE Federal & Military Guides Since 2002 2015 Identity Theft Guide Written by John D. Whitney Published by Feddesk.com FREE Federal and Military Guides Since

More information

Identity Theft Assistance Kit A self-help guide to protecting yourself and your identity

Identity Theft Assistance Kit A self-help guide to protecting yourself and your identity Identity Theft Assistance Kit A self-help guide to protecting yourself and your identity Stillman Bank works hard to serve and protect our customers identities and ensure their safety. That s why we have

More information

Identity Theft. Officer Rob Romey IPD Crime Prevention Officer. crimeprevention@indepmo.org

Identity Theft. Officer Rob Romey IPD Crime Prevention Officer. crimeprevention@indepmo.org Identity Theft Officer Rob Romey IPD Crime Prevention Officer 816-325 325-7643 crimeprevention@indepmo.org What Is Identity Theft? Identity theft occurs when someone possesses or uses your name, address,

More information

IDENTITY THEFT BROCHURE 2 6/3/05 3:07 PM Page 1 IDENTITY THEFT PROTECT YOUR IDENTITY IT S POSSIBLE@ LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION

IDENTITY THEFT BROCHURE 2 6/3/05 3:07 PM Page 1 IDENTITY THEFT PROTECT YOUR IDENTITY IT S POSSIBLE@ LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION IDENTITY THEFT BROCHURE 2 6/3/05 3:07 PM Page 1 IDENTITY THEFT PROTECT YOUR IDENTITY IT S POSSIBLE@ protection center LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION @ What Is Identity Theft? IDENTITY THEFT

More information

Beware! Identity Theft

Beware! Identity Theft STUDENT MODULE 9.2 FRAUD AND IDENTITY THEFT PAGE 1 Standard 9: The student will identify and explain consumer fraud and identity theft. Beware! Identity Theft Imagine getting a letter from the Internal

More information

It Could Happen To You! Attorney General Tom Reilly s. Guide to Protecting Yourself and Your Credit

It Could Happen To You! Attorney General Tom Reilly s. Guide to Protecting Yourself and Your Credit Identity Theft: It Could Happen To You! Attorney General Tom Reilly s Guide to Protecting Yourself and Your Credit One Ashburton Place ~ Boston, MA 02108 ~ (617) 727-2200 www.ago.state.ma.us February 2005

More information

SECURITY FREEZE INFORMATION FOR KENTUCKY RESIDENTS

SECURITY FREEZE INFORMATION FOR KENTUCKY RESIDENTS SECURITY FREEZE INFORMATION FOR KENTUCKY RESIDENTS If you live in Kentucky, you have the right as of July 12, 2006, to put a Asecurity freeze@ on your credit report with each credit reporting agency. A

More information

Intercepting your mail. They can complete change of address forms and receive mail that s intended for you.

Intercepting your mail. They can complete change of address forms and receive mail that s intended for you. At SunTrust, we re committed to protecting your accounts and identity. That s why we ve created this Identity Theft Guide. This guide provides information about online fraud and identity theft, as well

More information

Standard 9: The student will identify and explain consumer fraud and identity theft.

Standard 9: The student will identify and explain consumer fraud and identity theft. TEACHER GUIDE 9.2 FRAUD AND IDENTITY THEFT PAGE 1 Standard 9: The student will identify and explain consumer fraud and identity theft. Beware! Identity Theft Priority Academic Student Skills Personal Financial

More information

IDENTITY THEFT PROTECT YOUR IDENTITY IT S POSSIBLE@ LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION

IDENTITY THEFT PROTECT YOUR IDENTITY IT S POSSIBLE@ LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION IDENTITY THEFT IT S POSSIBLE@ PROTECT YOUR IDENTITY protection center LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION IT S POSSIBLE @ What Is Identity Theft? According to the FBI, identity theft is the fastest

More information

What is Identity Theft?

What is Identity Theft? What is Identity Theft? Identity theft is a crime in which someone obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else.

More information

Protect Your Personal Information. Tips and tools to help safeguard you against identity theft

Protect Your Personal Information. Tips and tools to help safeguard you against identity theft Protect Your Personal Information Tips and tools to help safeguard you against identity theft Trademark of Visa International Service Association; Visa Canada Association is a licensed user. What is Identity

More information

Information to Protect Our Customers From Identity Theft

Information to Protect Our Customers From Identity Theft Our Customers From Identity Theft Identity (ID) Theft Capital One understands that ID Theft is a growing concern of our customers, and that it is a frustrating experience for victims. We share these concerns

More information

Identity Theft Information

Identity Theft Information Identity Theft Information Houston Police Department Criminal Investigations Command Financial Crimes Unit 713-308-2500 The information contained on this page is intended to assist the citizens of Houston

More information

Identity Theft. Protecting Your Credit Identity 1.3.1.G1

Identity Theft. Protecting Your Credit Identity 1.3.1.G1 Identity Theft Protecting Your Credit Identity Identity Theft The dollar loss suffered because of identity theft from consumers was 343 million in 2002. Federal Trade Commission The number of identity

More information

PROTECT YOURSELF AND YOUR IDENTITY. Chase Identity Theft Tool Kit

PROTECT YOURSELF AND YOUR IDENTITY. Chase Identity Theft Tool Kit PROTECT YOURSELF AND YOUR IDENTITY Chase Identity Theft Tool Kit USE THESE IMPORTANT CONTACTS TO KEEP YOURSELF PROTECTED CHASE CONTACTS Customer Protection Group Credit Cards 1-888-745-0091 Other Account

More information

IDENTITY THEFT WHAT YOU NEED TO KNOW. Created by GL 04/09

IDENTITY THEFT WHAT YOU NEED TO KNOW. Created by GL 04/09 IDENTITY THEFT WHAT YOU NEED TO KNOW Created by GL 04/09 Table of Contents 1. What is Identity Theft? 2. How Do Thieves Steal An Identity? 3. What Do Thieves Do with Stolen Identities? 4. What Can I Do

More information

Identity Theft, Fraud & You. Prepare. Protect. Prevent.

Identity Theft, Fraud & You. Prepare. Protect. Prevent. Prepare. Protect. Prevent. Identity Theft, Fraud & You Fraud and identity theft incidents claimed fewer victims in 2010 than in previous years. But don t get too comfortable. Average out-of-pocket consumer

More information

Protect Your Personal Information. Tips and tools to help safeguard you against identity theft

Protect Your Personal Information. Tips and tools to help safeguard you against identity theft Protect Your Personal Information Tips and tools to help safeguard you against identity theft Trademark of Visa International Service Association; Visa Canada Association is a licensed user. WHAT IS IDENTITY

More information

IDENTITY PROTECTION MEMBER. Protect Your Identity. Security of Personal Information is Our Top Priority

IDENTITY PROTECTION MEMBER. Protect Your Identity. Security of Personal Information is Our Top Priority MEMBER IDENTITY PROTECTION Protect Your Identity Security of Personal Information is Our Top Priority Imagine this Unexpectedly, you get turned down for a loan, you get a call from a collection agency

More information

Identity Theft Simple ways to keep your sensitive information safe.

Identity Theft Simple ways to keep your sensitive information safe. Keep yourself safe from Identity Theft Simple ways to keep your sensitive information safe. Be Aware Identity theft is the number one consumer fraud perpetrated on unsuspecting citizens. In 2011, nearly

More information

PROTECT YOURSELF AND YOUR IDENTITY CHASE IDENTITY THEFT TOOL KIT

PROTECT YOURSELF AND YOUR IDENTITY CHASE IDENTITY THEFT TOOL KIT PROTECT YOURSELF AND YOUR IDENTITY CHASE IDENTITY THEFT TOOL KIT At Chase, we work hard to pro v help prepare you for whatever h Convenient Reference for Important Contacts: Chase Identity Theft Center

More information

Identity Theft. Protecting Your Credit Identity. August 19, 2016 Presented by: Sgt. John Wittkowski

Identity Theft. Protecting Your Credit Identity. August 19, 2016 Presented by: Sgt. John Wittkowski Identity Theft Protecting Your Credit Identity August 19, 2016 Presented by: Sgt. John Wittkowski All costs for this presentation were underwritten by: Pine Rest Christian Mental Health Services Employee

More information

IDENTITY THEFT VICTIMS: IMMEDIATE STEPS

IDENTITY THEFT VICTIMS: IMMEDIATE STEPS IDENTITY THEFT VICTIMS: IMMEDIATE STEPS If you are a victim of identity theft, take the following four steps as soon as possible, and keep a record with the details of your conversations and copies of

More information

IDENTITY. theft. Identity theft can happen. to anyone. Previously, criminals stole your wallet. for your cash. Now they. want your wallet to

IDENTITY. theft. Identity theft can happen. to anyone. Previously, criminals stole your wallet. for your cash. Now they. want your wallet to IDENTITY THEFT IDENTITY theft Identity theft can happen to anyone. Previously, criminals stole your wallet for your cash. Now they want your wallet to steal your good name. Protect yourself and your identity.

More information

THINGS YOU SHOULD KNOW ABOUT IDENTITY THEFT

THINGS YOU SHOULD KNOW ABOUT IDENTITY THEFT THINGS YOU SHOULD KNOW ABOUT IDENTITY THEFT Compliments of: Fripp Island Security and FIPOA Security Committee November 2013 1 INTRODUCTION Identity theft is a serious crime. It occurs when your personal

More information

Dear Concerned Consumer,

Dear Concerned Consumer, Dear Concerned Consumer, Identity theft is a growing problem of the Information Age. You have already taken the first important step in combating the problem by contacting HomeStar Bank & Financial Services.

More information

PROTECTING YOURSELF FROM IDENTITY THEFT. The Office of the Attorney General of Maryland Identity Theft Unit

PROTECTING YOURSELF FROM IDENTITY THEFT. The Office of the Attorney General of Maryland Identity Theft Unit PROTECTING YOURSELF FROM IDENTITY THEFT The Office of the Attorney General of Maryland Identity Theft Unit CONTENTS 1) What is Identity Theft? 2) How to Protect Yourself From ID Theft. 3) How to Tell If

More information

WHAT S IT ALL ABOUT?

WHAT S IT ALL ABOUT? WHAT S IT ALL ABOUT? Introduction The 1990 s spawned a new variety of crooks called identity thieves. Their stock in trade? Your everyday transactions, which usually reveal bits of your personal information:

More information

Protecting your identity

Protecting your identity Protecting your identity Though it might not seem like it, your identity is one of the most precious things you possess. Criminals who are able to steal your identifying information can pretend to be you,

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in North Dakota may place a security freeze on his or her credit report by making a request by mail to each consumer reporting agency. If the consumer reporting

More information

Identity Theft. Protecting Your Credit Identity 1.3.1.G1

Identity Theft. Protecting Your Credit Identity 1.3.1.G1 Identity Theft Protecting Your Credit Identity Identity Theft IDENTITY THEFT occurs when someone wrongfully acquires and uses a consumer s personal identification, credit, or account information. Identity

More information

Chapter 6 Appendix A

Chapter 6 Appendix A Chapter 6 Appendix A Instructions for Completing the Norwalk Department of Police Service ID Theft Affidavits Please complete the attached form and submit it to the Police Department so that a case can

More information

FTC Facts. For Consumers Federal Trade Commission. Maybe you never opened that account, but. Identity Crisis... What to Do If Your Identity is Stolen

FTC Facts. For Consumers Federal Trade Commission. Maybe you never opened that account, but. Identity Crisis... What to Do If Your Identity is Stolen FTC Facts For Consumers Federal Trade Commission For The Consumer August 2005 Identity Crisis... What to Do If Your Identity is Stolen Maybe you never opened that account, but someone else did...someone

More information

identity theft: How To Safeguard Your Privacy and Keep Your Good Name

identity theft: How To Safeguard Your Privacy and Keep Your Good Name identity theft: How To Safeguard Your Privacy and Keep Your Good Name Do you know anyone who has been the victim of identity theft? If not, odds are you will soon. According to the Federal Trade Commission,

More information

Identity Theft Grade Level 10-12

Identity Theft Grade Level 10-12 Identity Theft Grade Level 10-12 Take Charge of Your Finances Materials provided by: Karen Dawson, Family and Consumer Sciences Educator, Skyview High School, Billings, Montana Time to complete: 75 minutes

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in New Mexico may place a security freeze on his or her credit report by requesting it in writing by certified mail to the credit reporting agency or by telephone

More information

Protection. Identity. What should I do if I m. Common ID Theft TACTICS. a criminal obtains your personal information and uses it for his/her own gain.

Protection. Identity. What should I do if I m. Common ID Theft TACTICS. a criminal obtains your personal information and uses it for his/her own gain. Common ID Theft TACTICS. HOW DOES IT HAPPEN? Identity What should I do if I m a Protection PROTECT YOURSELF: OLD-FASHIONED STEALING: Criminals steal your wallet or purse. > Never leave your wallet or purse

More information

Identity Theft/Credit Fraud Kit

Identity Theft/Credit Fraud Kit Provided by: Your source for information on Credit Reports and Credit Scores, where you can also safely order your own 3 Bureau Credit Report online that includes your credit information from Equifax,

More information

Identity Theft Victim s Packet

Identity Theft Victim s Packet EAST HAVEN POLICE DEPARTMENT 471 North High Street, East Haven, CT 06512 203-468-3820 Identity Theft Victim s Packet Information and Instructions This packet is to be completed once you have contacted

More information

Refuse to be a target of identity crime. Keep your good name.

Refuse to be a target of identity crime. Keep your good name. Refuse to be a target of identity crime. Keep your good name. One in four people will be impacted by the fastest growing crime in America, IDENTITY CRIME. Protect Yourself from Identity Crime If you have

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in Missouri may place a security freeze on his or her credit report by requesting it in writing or by other allowable methods to the consumer reporting agency.

More information

U.S. Postal Inspection Service. Ensuring Confidence in the U.S. Mail

U.S. Postal Inspection Service. Ensuring Confidence in the U.S. Mail U.S. Postal Inspection Service Ensuring Confidence in the U.S. Mail Identity theft involves acquiring key pieces of someone s identifying information, such as name, address, date of birth, social security

More information

How child identity theft happens.

How child identity theft happens. How child identity theft happens. Facts you should know about identity theft. What is identity theft? Identity theft is the act of using someone s personal information such as an account number, driver

More information

ID Theft Toolkit and Affidavit

ID Theft Toolkit and Affidavit ID Theft Toolkit and Affidavit Identification Theft Toolkit Safeguard yourself from ID Theft ID Theft the unauthorized and illegal use of your name, Social Security number or other personal information

More information

NCUA LETTER TO CREDIT UNIONS

NCUA LETTER TO CREDIT UNIONS NCUA LETTER TO CREDIT UNIONS NATIONAL CREDIT UNION ADMINISTRATION 1775 Duke Street, Alexandria, VA DATE: September 2001 LETTER NO.: 01-CU-09 TO: SUBJ: Federally Insured Credit Unions Identity Theft and

More information

IDENTITY THEFT. A. What Do I Do First? Take the following steps as soon as you discover you have been a victim of identity theft.

IDENTITY THEFT. A. What Do I Do First? Take the following steps as soon as you discover you have been a victim of identity theft. IDENTITY THEFT IDENTITY THEFT Identity theft is a serious crime with serious costs for victims. ID theft occurs when someone obtains your personal information such as your Social Security Number, credit

More information

A Guide to Protecting Yourself From Identity Theft

A Guide to Protecting Yourself From Identity Theft A Guide to Protecting Yourself From Identity Theft 2010 Capital One. Capital One is a registered trademark. At Capital One, we understand that Identity Theft is a frustrating, and sometimes frightening,

More information

WICHITA POLICE DEPARTMENT 455 N. Main Wichita, KS 67202

WICHITA POLICE DEPARTMENT 455 N. Main Wichita, KS 67202 WICHITA POLICE DEPARTMENT 455 N. Main Wichita, KS 67202 INFORMATION AND INSTRUCTIONS The purpose of this packet is to assist you in the investigation related to your identity theft case and should be completed

More information

SECURITY FREEZE INFORMATION Any consumer in Wisconsin may place a security freeze on his or her credit report by requesting it in writing.

SECURITY FREEZE INFORMATION Any consumer in Wisconsin may place a security freeze on his or her credit report by requesting it in writing. SECURITY FREEZE INFORMATION Any consumer in Wisconsin may place a security freeze on his or her credit report by requesting it in writing. The credit reporting agency is not allowed to charge a fee to

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in Tennessee may place a security freeze on his or her credit report by requesting it in writing by certified mail to the credit reporting agency. Beginning January

More information

IDENTITY CRIME INCIDENT DETAIL FORM

IDENTITY CRIME INCIDENT DETAIL FORM IDENTITY CRIME INCIDENT DETAIL FORM Please fill out this form and return it to Wichita Falls Police Department as soon as possible. This form will supplement your original report. The information you provide

More information

Privacy and Information Protection Bulletin

Privacy and Information Protection Bulletin Privacy and Information Protection Bulletin March 2005 Fasken Martineau DuMoulin LLP Identity Theft Sara Levine and Joanna Erdman (student-at-law), Toronto Vancouver Calgary Toronto Montréal Québec City

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in Massachusetts may place a security freeze on his or her credit report by sending a request in writing, by mail to all credit reporting agencies. The credit reporting

More information

Online Fraud and Identity Theft Guide. A Guide to Protecting Your Identity and Accounts

Online Fraud and Identity Theft Guide. A Guide to Protecting Your Identity and Accounts A Guide to Protecting Your Identity and Accounts As part of SunTrust s commitment to protecting your accounts and identity, we ve created the Online Fraud & Identity Theft Guide, which provides information

More information

Identity Theft: Informational Workshop

Identity Theft: Informational Workshop Identity Theft: Informational Workshop ~ Prepared By ~ Connecticut Department of Consumer Protection Jerry Farrell, Jr. Commissioner 1 The Department of Consumer Protection Mission The Department of Consumer

More information

T E X A S Y O U N G L A W Y E R S A S S O C I A T I O N A N D S T A T E B A R O F T E X A S I D E N T I T Y T H E F T G U I D E

T E X A S Y O U N G L A W Y E R S A S S O C I A T I O N A N D S T A T E B A R O F T E X A S I D E N T I T Y T H E F T G U I D E T E X A S Y O U N G L A W Y E R S A S S O C I A T I O N A N D S T A T E B A R O F T E X A S I D E N T I T Y T H E F T G U I D E A I D E N T I T Y T H E F T G U I D E Prepared and distributed as a Public

More information

What is Identity Theft? How to Prevent ID Theft

What is Identity Theft? How to Prevent ID Theft What is Identity Theft? Actually, there are several types; Financial, Medical, Criminal, Synthetic, and Child. All involve the acquisition of key pieces of someone s identifying information, such as; name,

More information

Client Education. Learn About Identity Theft

Client Education. Learn About Identity Theft Client Education Learn About Identity Theft 2 What is identity theft? 6 Detecting identity theft 10 Minimizing your risk 14 What to do if you re a victim The Federal Trade Commission (FTC) estimates that

More information

Identity Theft: When You Are the Target

Identity Theft: When You Are the Target F O R F O R Y O U R Y O U R L I F E R E T I R E M E N T Identity Theft: When You Are the Target What s inside What Is Identity Theft?... 2 How Does Identity Theft Occur?... 2 How Can You Protect Yourself?...

More information

http://www.ftc.gov/bcp/edu/microsites/idtheft/index.html

http://www.ftc.gov/bcp/edu/microsites/idtheft/index.html Identity Theft: Steps to Take if You are a Victim We understand the stress, time and effort required as a result of having your identity stolen and used fraudulently. While there are many resources available

More information

SECURITY FREEZE INFORMATION Any consumer in Illinois may place a security freeze on his or her credit report by requesting one in writing by

SECURITY FREEZE INFORMATION Any consumer in Illinois may place a security freeze on his or her credit report by requesting one in writing by SECURITY FREEZE INFMATION Any consumer in Illinois may place a security freeze on his or her credit report by requesting one in writing by certified mail to the credit reporting agency. The credit reporting

More information

About the Federal Reserve

About the Federal Reserve About the Federal Reserve The Federal Reserve Bank of Philadelphia is one of 12 regional Reserve Banks in the United States that, along with the Board of Governors in Washington, D.C., make up the Federal

More information

PREVENTING ID THEFT101

PREVENTING ID THEFT101 PREVENTING ID THEFT101 701.255.0042 www.capcu.org i This book is intended as a general guide to the topics discussed, and it does not deliver accounting, personal finance, or legal advice. It is not intended,

More information

Identity Theft. Presented By: Information Technology. James Blackwood, Michael Fouts, & Tiffany Mixon

Identity Theft. Presented By: Information Technology. James Blackwood, Michael Fouts, & Tiffany Mixon Identity Theft Presented By: Information Technology James Blackwood, Michael Fouts, & Tiffany Mixon What is Identity Theft? How can someone steal your identity? Identity theft occurs when someone uses

More information

SECURITY FREEZE INFORMATION Any consumer in Texas may request a security freeze in writing by certified mail to the credit reporting agency.

SECURITY FREEZE INFORMATION Any consumer in Texas may request a security freeze in writing by certified mail to the credit reporting agency. SECURITY FREEZE INFORMATION Any consumer in Texas may request a security freeze in writing by certified mail to the credit reporting agency. The credit reporting agency shall not charge a fee to victims

More information

Avoid Identity Theft UH Information Security Team (InfoSec)

Avoid Identity Theft UH Information Security Team (InfoSec) Avoid Identity Theft UH Information Security Team (InfoSec) Who Are We? UH Information Security Team Jodi Ito - Information Security Officer Deanna Pasternak & Taylor Summers Information Security Specialists

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in North Dakota may place a security freeze on his or her credit report by requesting one in writing by certified or overnight mail to the credit reporting agency.

More information

What to Know, What to Do

What to Know, What to Do Protecting Your Identity: What to Know, What to Do BRUMMET & OLSEN, LLP Certified Public Accountants t and Consultants t Kedra J. Olsen, CPA February 6, 2014 Overview Identity yprotection Protection from

More information

Identity Theft Victim's Packet

Identity Theft Victim's Packet STURGIS POLICE DEPARTMENT Identity Theft Victim's Packet I Information and Instructions This packet is to be completed once you have contacted Sturgis Police Department and obtained a police report number

More information

Identity Theft Protection

Identity Theft Protection Identity Theft Protection What is Identity Theft? Identity theft occurs when someone uses your personally identifiable information, like your name, social security number, or credit card number, without

More information

Preventing. Identity. Theft. Protecting Your Assets

Preventing. Identity. Theft. Protecting Your Assets Preventing Identity Theft Protecting Your Assets 1 What Is Identity Theft? Identity Theft occurs when someone uses your name, address, Social Security number, bank or credit card account number, or other

More information

Identity Theft. Prevention and Recovery Information Kit

Identity Theft. Prevention and Recovery Information Kit Identity Theft Prevention and Recovery Information Kit A step-by-step guide designed to help you protect your identity and recover if you ve been victimized. 800-522-4100 valleynationalbank.com 2012 Valley

More information

Refuse to be a target of identity crime.

Refuse to be a target of identity crime. Refuse to be a target of identity crime. Protecting the Real You and Only You. The International Association of Chiefs of Police 515 N. Washington Street, Alexandria, VA 22314 Telephone: 1.800.843.4227

More information

Identity Theft and Fraud

Identity Theft and Fraud Identity Theft and Fraud Identity theft is a term that refers to crimes in which someone wrongfully obtains and uses another person s personal data (i.e., name, date of birth, social security number, driver

More information

Identity Theft Victim s Packet

Identity Theft Victim s Packet East Hampton Police Department 20 East High Street, East Hampton, CT 06424 (860) 267-9544 / (860) 267-9922 Identity Theft Victim s Packet Information and Instructions This packet is to be completed once

More information

IdentityTheft HOW IDENTITY THEFT HAPPENS PROTECTING YOURSELF RECOVERING FROM IDENTITY THEFT

IdentityTheft HOW IDENTITY THEFT HAPPENS PROTECTING YOURSELF RECOVERING FROM IDENTITY THEFT CREDIT What You Should Know About... IdentityTheft HOW IDENTITY THEFT HAPPENS PROTECTING YOURSELF RECOVERING FROM IDENTITY THEFT YourMoneyCounts You may have heard of a crime called identity theft, but

More information

Identity Theft. Emergency Repair Kit

Identity Theft. Emergency Repair Kit Identity Theft Emergency Repair Kit 2012 Beavercreek Marketing, a division of Beavercreek Inc. All rights reserved. Any duplication or reproduction is strictly prohibited. Identity Theft Emergency Repair

More information

Information copied from Federal Trade Commission Website (www.ftc.gov)

Information copied from Federal Trade Commission Website (www.ftc.gov) DETER OR MINIMIZE YOUR RISK OF IDENTITY THEFT Information copied from Federal Trade Commission Website (www.ftc.gov) Protect your Social Security number Don't carry your Social Security card in your wallet

More information

Extended Fraud Alerts and Credit Freezes

Extended Fraud Alerts and Credit Freezes Extended Fraud Alerts and Credit Freezes Consumer Information https://www.consumer.ftc.gov/articles/0279-extended-fraud-alerts-and-credit-freezes Page 1 of 3 FEDERAL TRADE COMMISSION CONSUMER INFORMATION

More information

Protect Yourself From Identity Theft

Protect Yourself From Identity Theft Protect Yourself From Identity Theft Identity theft occurs when a criminal uses another person's personal information to take on that person's identity. Identity theft is much more than misuse of a Social

More information

Crime Prevention Tips

Crime Prevention Tips Crime Prevention Tips The suggests the following crime prevention techniques to avoid becoming a victim of Identity Theft: 1. To minimize the amount of information an identity thief can steal, do not carry

More information